| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 910 E HAMILTON AVENUE, SUITE 410 CAMPBELL, CA 95008 | KAISER FOUNDATION HEALTH PLAN INC. | $76K | $27 | $76K | 4.28% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 910 E HAMILTON AVENUE, SUITE 410 CAMPBELL, CA 95008 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $88K | — | $88K | 9.24% |
| ROBERT B SUHR & COMPANY INS BROKERS3 Filed as: ROBERT B SUHR COMPANY INS BROKERS | 5300 STEVENS CREEK BLVD, SUITE 300 SAN JOSE, CA 95129 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 0.78% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 910 E HAMILTON AVENUE, SUITE 410 CAMPBELL, CA 95008 | VISION SERVICE PLAN | $3K | — | $3K | 2.58% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 910 E HAMILTON AVENUE, SUITE 410 CAMPBELL, CA 95008 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| SUHR RISK SERVICES3 Filed as: SUHR RISK SERVICES OF CA | 5300 STEVENS CREEK BLVD, STE 410 SAN JOSE, CA 95129 | UNION SECURITY INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 910 E HAMILTON AVENUE, SUITE 410 CAMPBELL, CA 95008 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| SUHR RISK SERVICES3 Filed as: SUHR RISK SERVICES OF CA | 5300 STEVENS CREEK BLVD, THIRD FL SAN JOSE, CA 95129 | PREMIER ACCESS INSURANCE COMPANY | $17K | — | $17K | 41.58% |
| SUHR RISK SERVICES3 Filed as: SUHR RISK SERVICES OF CA | 5300 STEVENS CREEK BLVD, STE 410 SAN JOSE, CA 95129 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 10.01% |
| SUHR RISK SERVICES3 Filed as: SUHR RISK SERVICES OF CA | 5300 STEVENS CREEK BLVD, STE 410 SAN JOSE, CA 95129 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 9.26% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 910 E HAMILTON AVENUE, SUITE 410 CAMPBELL, CA 95008 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| SUHR RISK SERVICES3 Filed as: SUHR RISK SERVICES OF CA | 5300 STEVENS CREEK BLVD, STE 410 SAN JOSE, CA 95129 | UNION SECURITY INSURANCE COMPANY | $823 | — | $823 | 10.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 543 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 543 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 437 | $2.7M |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 493 | $40K |
| Vision | VISION SERVICE PLAN | 477 | $97K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 543 | $86K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 542 | $9K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 542 | $45K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 437 | $1.8M |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 543 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 543 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.